Uninsured and Underinsured Motorist Accidents

Auto accidents can be stressful, especially if the other driver does not have insurance. Uninsured motorist insurance can also be important when the negligent driver cannot be identified because the driver left the scene after a hit and run in Atlanta. You could be left wondering how you will afford the medical bills and property damage after the crash.

In some instances, the other person involved in the accident may have insurance, but it may not be enough to handle the expenses of all of your damages. Underinsured motorist insurance becomes important in these case.

Georgia law requires automobile owners to maintain at least the minimum bodily injury liability insurance coverage of $25,000 per person/$50,000 per incident. If you have suffered serious injuries these minimal limits may not be adequate to fully compensation you for your injuries and damages. If someone ignores the law and drives without insurance, the consequences to an injured victim could be even greater.

If you have been injured in an auto accident as a result of another driver’s negligence, you should not be forced to pay. If the driver is uninsured or underinsured, it is important you contact an experienced personal injury attorney to help you get the compensation you deserve.

Atlanta Uninsured and Underinsured Motorist Accident Attorney

If you have been injured in an automobile accident because of someone else’s negligence, contact a personal injury attorney at The Balams Firm. ReShea Balams is an Atlanta uninsured and underinsured motorist accident attorney who fights for the rights of those who have been injured in car crashes. She believes you should not have to suffer for the mistakes of another driver.

Contact The Balams Firm at (404) 445-2005 to schedule a free case evaluation. ReShea Balams is based in Atlanta and represents clients throughout the area, including Lawrenceville, Marietta, Decatur, Buckhead, Johns Point, Sandy Springs, East Point, Forest Park, Smyrna, College Park, Duluth, Brookhaven, Roswell, Milton and other surrounding cities.

Call (404) 445-2005 today.

Info for Victims of Underinsured and Uninsured Drivers

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What to Do After Being Hit by an Uninsured Driver in Georgia

If you are involved in an auto accident with a driver who is uninsured, your insurance company may pay for the damages. For your company to cover the costs, your policy must include uninsured or underinsured motorist coverage. However, securing the payment typically is not an easy process.

The company also may help pay for some of the damages if you were involved in an accident with a driver who was underinsured. Your insurance company will provide you with whatever compensation the at-fault driver’s insurance company cannot cover.

Compensation after an accident can include the costs of property damage to the vehicle, the expenses of medical bills, lost wages and pain and suffering. Getting the payment can be a complex and lengthy process. It is important you contact a personal injury attorney accepting a settlement.

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Receiving Compensation after a Crash with an Underinsured Motorist

To receive compensation from your insurance company, you must file an uninsured or underinsured claim. You should call your insurance company and discuss the accident. The company likely will investigate the crash and determine if it will pay damages and if so how much it will allocate.

The claims often can be delayed, underpaid or even denied. In some cases, companies will try to find reasons why you should not be compensated. If you do not get the compensation you deserve, contact a personal injury attorney immediately. An attorney can negotiate with the insurance companies to get you the compensation you deserve. If necessary, an attorney also could file suit on your behalf to help you recover your losses.

In Georgia, there is a two-year statute of limitations on personal injury cases. This means a person who chooses to file suit against another for injuries and damages suffered in car accidents has two years from the date of the accident to do so. Consult with a personal injury attorney to make sure your rights are represented.

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Resources for Underinsured and Uninsured Driver Victims

Georgia Office of Insurance and Safety Fire Commissioner: The commissioner is charged with regulation of the insurance industry, including automobile insurance.

2 Martin Luther King, Jr. Drive
West Tower, Suite 704
Atlanta, GA 30334
Phone: (404) 656-2070

Georgia Rules and Regulations, Chapter 120-2-14: This chapter is the Georgia Automobile Insurance Plan.

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Finding an Attorney for Uninsured Motorist Coverage Cases in Atlanta, GA

If you or a loved one has been involved in an auto accident with an uninsured driver, the expenses could seem overwhelming. Let The Balams Firm help you get the compensation you deserve, even in a hit and run case in which the negligent driver leaves the scene and is never identified. You should not have to suffer because of the negligence of another driver.

The Balams Firm represents clients in Fulton, Clayton, Cobb, DeKalb and Gwinnett Counties.

Call (404) 445-2005 to schedule a free case evaluation.


  • 5 stars
    The Balams Firm did a wonderful job handling my personal injury case. I was able to get in touch with ReShea the day after my accident and she was very understanding and helped me find the care that I needed to address my specific needs.
    - Jazmyn F.
  • 5 stars
    Very professional attorney and team. Very responsive and kept me abreast of the process the entire time.
    - Anthony J.
  • 5 stars
    ReShea and I have litigated against each other for years and she very quickly earned my respect for her competency and professionalism. Since, I have referred many clients to her and they have all been exceptionally happy with her results and service.
    - LeRyan L.
  • 5 stars
    The Balams Law Firm hands down in the best in Atlanta. I had a injury at a hotel in Atlanta and I called 5 law firms, 3 of them being the big named ones you see on tv radio and they would not take me as a client. I found their number on google and talked to them and they took my case.
    - Brandon N.
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